Question to anyone that has had experience with claims on Tortola

Does anyone have firsthand knowledge of large BVI settlements?

My impression has always been that suits/settlements are not nearly as extreme as in the USA and that the island is not nearly as litigious as the USA

Which - I guess - raises the question - if a loss occurred in BVI Territory - would it not be adjudicated on Tortola as well?

Doesn't excuse not having insurance - just a curious point